CHARTER NATIONAL VARIABLE ANNUITY ACCOUNT
497J, 1999-05-07
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                 [Letterhead of Sutherland Asbill & Brennan LLP
                         1275 Pennsylvania Avenue, N.W.
                          Washington, D.C. 20004-2415]



STEPHEN E. ROTH
DIRECT LINE: (202) 383-0158
Internet: [email protected]


                                   May 7, 1999
VIA EDGARLINK

Securities and Exchange Commission
450 Fifth Street
Washington, D.C.  20549

Re:      Charter National Life Insurance Company
         Charter National Variable Annuity Account
         Post Effective Amendment No. 19 to Form N-4 
         (File Nos. 33-22925; 811-5279)                        


Commissioners:

     On behalf of Charter National Life Insurance  Company (the "Company"),  and
Charter National  Variable Annuity Account (the "Account"),  we are transmitting
for  filing a  certification  pursuant  to  paragraph  (j) of Rule 497 under the
Securities  Act of  1933.  In this  regard,  we  certify  that  the  form of the
Statement of Additional  Information  ("SAI") for the variable annuity contracts
offered by the  Company  through  the  Account  that would have been filed under
paragraph  (c) of Rule 497 would not have  differed  from that  contained in the
above-referenced  registration  statement  for the  Account.  That  registration
statement was filed electronically with the Commission on April 30, 1999.

     If you have any  questions or comments on this filing,  please  contact the
undersigned at (202) 383-0158 or Mary Jane Wilson-Bilik at (202) 383-0660.

                                  Sincerely,



                                  /s/ Stephen E. Roth 
                                      ---------------     
                                      Stephen E. Roth


cc:      John R. Petrowski, Esq.
         Mary Jane Wilson-Bilik, Esq.




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